Fintech Software Engineer Jobs in Philadelphia, PA

The application window will close September 01, 2026. 

Envestnet is seeking a Senior Software Engineer to join our Technology department. This is a hybrid role, with in-office work required at our Berwyn, PA office location.

Envestnet is transforming the way financial advice is delivered through its connected technology, advanced insights, and asset management solutions – backed by industry-leading service and support. Since 1999, Envestnet has served the wealth management industry and today supports trillions in platform assets, serving over a hundred thousand financial advisors. The vast majority of the nation’s leading banks, the largest wealth management and brokerage firms, and over 500 of the largest RIAs rely on Envestnet’s wealth management platform and solutions to drive business growth, boost productivity, and deliver better financial outcomes for their clients. 

Envestnet’s Strategy:

• Deliver the industry-leading wealth management platform, powered by advanced data and insights 
  
• Leverage our scale and efficiencies to serve our clients’ needs comprehensively 
  
• Enable financial advisors to deliver more holistic advice – reflecting a more complete view of their clients’ financial lives, and in a more connected environment
  

For more information, please visit www.envestnet.com.

Job Summary: 

Seeking a hands-on Senior Software Engineer to design, build, and evolve a fintech product platform built on Java-based distributed systems, while introducing AI Agent–driven capabilities in a secure, compliant, and production‑ready manner.

This role emphasizes system design ownership, architectural depth, and technical leadership, with a strong focus on transactional correctness, scalability, resilience, and the controlled, auditable use of agentic AI within regulated financial systems.

You will work closely with engineering leaders, product management, compliance, and platform teams to translate complex business and regulatory requirements into scalable, high‑quality technical solutions.

Key Responsibilities:

• Design and own the architecture and delivery of core fintech product services. A focus on trade generation, execution and integration with trading partners is desirable. 
  
• Define service boundaries, data ownership, and data consistency models for high‑throughput, low‑latency distributed systems. 
  
• Architect, review, and implement Java / Spring Boot microservices with a strong focus on performance, resilience, transactional correctness, and observability. 
  
• Ensure idempotency, fault tolerance, and safe failure modes across distributed and transactional workflows. 
  
• Design and implement AI Agent–driven workflows using agentic AI frameworks (e.g., LangGraph) for product and operational use cases such as workflow automation, operational decision support, and exception or risk triage. 
  
• Architect multi‑agent orchestration with clear agent role separation, deterministic execution paths, and controlled interaction between agents and core systems. 
  
• Design and manage agent memory strategies, including short‑term or session memory, long‑term structured memory, and memory scoping, retention, and auditability. 
  
• Ensure security, compliance, and governance for AI‑driven flows, including guardrails, approval steps, traceability of agent decisions, safe fallbacks, and human‑in‑the‑loop controls. 
  
• Collaborate closely with product, engineering, platform, and compliance teams to translate business and regulatory requirements into scalable, production‑ready architectures. 
  
• Participate in design and architecture reviews, story refinement, technical documentation, and acceptance criteria definition as part of an Agile/Scrum team. 
  
• Participate in software release, deployment, and production support activities, ensuring compliance with organizational security, risk, and operational policies. 
  
• Adherence to and application of Envestnet legal, compliance, risk, business continuity and administrative policy within the role and department(s) including the timely completion of training & awareness, affirmations and testing as requested. 
  
• As part of the responsibilities for this role, you will understand and readily support Envestnet's established corporate business practices, policies, internal controls and procedures designed to create value or minimize risk. 
  

Required Qualifications:

• 7-10 years of total experience in backend engineering with Java/Python and modern frameworks. 
  
• Must have minimum 2 years hands on experience in AI & ML 
  
• Strong experience designing distributed, transactional systems in fintech or regulated domains. 
  
• Deep understanding of data consistency, idempotency, fault tolerance, and scalability. 
  
• Hands‑on experience building stateful AI agents with well‑defined short‑ and long‑term memory. 
  
• Solid understanding of security, observability, and production incident handling. 
  
• Ability to communicate architectural decisions and trade-offs clearly. 
  

Nice to Have:

• Experience with event driven architectures (Kafka, async messaging). 
  
• Familiarity with AI cost control, evaluation, and governance practices. 
  
• Prior experience in trading systems, real‑time financial platforms, or regulated production environments. 
  

Tech Stack:

• Languages & Frameworks: Java, Spring Boot, Python 
  
• Data & Systems: SQL, Distributed Systems, Transactional Services 
  
• Messaging: Kafka, Async Messaging 
  
• Cloud & Platform: Cloud Infrastructure, Kubernetes, Docker 
  
• AI & Agents: Agentic AI (LangGraph), RAG, Vector Stores 
  
• Security & Ops: Security Tooling, Observability & Monitoring Platforms 
  

Envestnet: 

• Be a member of an innovative and industry leading financial technology and solutions company 
  
• Competitive Compensation/Total Reward Packages that include:
  
  • Health Benefits (Health/Dental/Vision)
    
  • Paid Time Off (PTO) & Volunteer Time Off (VTO)
    
  • 401K – Company Match
    
  • Annual Bonus Incentives
    
  • Parental Stipend 
    
  • Tuition Reimbursement
    
  • Student Debt Program
    
  • Charitable Match 
    
  • Wellness Program
    

Envestnet is an Equal Opportunity Employer.

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